CN106326790B - Account verification device and method - Google Patents
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Abstract
The invention discloses an account verification device and method, wherein the device comprises the following steps: the device comprises a storage module, a card reading module, a communication module and a main control module; the storage module is used for storing account verification related information; the card reading module is used for reading the account related information; the communication module is used for carrying out information transmission with external equipment; the main control module is used for reading the account verification related information from the storage module when the account card account related information is not read, and transmitting the account verification related information to the external equipment through the communication module; when the account related information of the account card is read, the account related information is verified, and then the account related information is transmitted to external equipment through the communication module.
Description
Technical Field
The present invention relates to the field of communications technologies, and in particular, to an account verification apparatus and method.
Background
With the development of communication technology, the mobile payment market is in a high-speed growth period, various payment technologies and schemes appear in the online and offline payment fields, wherein online payment is more and more applied around mobile terminals, and the current main application schemes are more around third party payment, such as payment treasures, weChat and the like, but the third party payment lacks perfect safety mechanisms, financial crime cases of stealing the balance of the payment treasures appear, and great losses are caused to consumers.
In order to solve the problem of online payment of a mobile terminal, the bank currently has the solutions such as an audio key, a Bluetooth key and a mPOS, wherein the audio key and the Bluetooth key are the authentication of personal identities in the process of adopting payment transaction to ensure the security, the core idea is that the authentication of the personal identities is used for determining the authority of the consumption of the bound accounts, but one Bluetooth key device can only bind one bank account and cannot support multiple bank accounts; the mPOS is used for finishing payment by directly swiping a card to acquire card information, but the authentication of personal identity is lacked, and certain hidden danger exists in the safety.
Disclosure of Invention
In order to solve the existing technical problems, the embodiment of the invention expects to provide an account verification device and method, which can support multi-card payment transaction while guaranteeing safe payment transaction, can authenticate personal identity and is convenient to carry.
To achieve the above object, the present invention provides an account verification apparatus, including: the device comprises a storage module, a card reading module, a communication module and a main control module; wherein,
the storage module is used for storing account verification related information;
the card reading module is used for reading the account related information;
the communication module is used for carrying out information transmission with external equipment;
the main control module is used for reading the account verification related information from the storage module when the account card account related information is not read, and transmitting the account verification related information to the external equipment through the communication module; when the account related information of the account card is read, verifying the account related information, and then transmitting the account related information to external equipment through the communication module;
the storage module, the card reading module and the communication module are all connected with the main control module.
In the above scheme, the card reading module includes:
and the contact card reading unit is used for reading the account related information in the account card in a contact manner.
In the above scheme, the card reading module includes:
and the non-contact card reading unit is used for reading the account related information in the account card in a non-contact mode.
In the above solution, the communication module includes:
and the wireless communication unit is used for carrying out information transmission with the external equipment through a wireless communication link.
In the above solution, the communication module includes:
and the wired communication unit is used for carrying out information transmission with external equipment through a wired communication link.
In the above scheme, the main control module includes:
the financial key mode unit is used for reading the account verification related information from the storage module when the card reading module does not return the account related information, and transmitting the account verification related information to external equipment through the communication module;
and the card swiping mode unit is used for verifying the account related information when the card reading module returns the account related information, and then transmitting the account related information to external equipment through the communication module.
In the above scheme, the device further includes:
and the display module is used for displaying related information in the account verification process and is connected with the main control module.
In the above scheme, the device further includes:
and the key module is used for receiving the input key operation of a user and is connected with the main control module.
In the above scheme, the device further includes:
and the power supply module is used for providing electric energy for other modules in the account verification device and carrying out power supply management.
The invention also provides an account verification method, when the external equipment sends out an account verification request, the method comprises the following steps:
detecting whether account related information of an account card is read or not;
when the account card account related information is not read, the account verification related information is read from a storage module of the account card account related information and is transmitted to the external equipment;
when the account related information of the account card is read, the account related information is verified and then transmitted to the external equipment.
The account verification device and the account verification method provided by the embodiment of the invention can store the specific account verification related information in the storage module thereof, so that the account verification can be performed even if other account cards are not available, and meanwhile, the card reading module is integrated, so that the account related information of other account cards can be read for performing the account verification. The financial key function and the mPOS function are realized in one device, the appearance size of the device can be made to be not different from that of a standard ISO7810 card, the length and the width are respectively larger than the card within about several centimeters, and the thickness is within about several cards, so that the device is convenient to carry.
Drawings
Fig. 1 is a schematic structural diagram of an account verification device according to an embodiment of the present invention;
fig. 2 is a schematic diagram of an implementation flow of an account verification method according to an embodiment of the present invention;
fig. 3a-3b are schematic diagrams of connection relationships of an account verification device provided in an embodiment of the present invention in an application scenario.
Detailed Description
In order to more clearly illustrate the embodiments and technical solutions of the present invention, the technical solutions of the present invention will be described in more detail below with reference to the accompanying drawings and embodiments, and it is apparent that the described embodiments are some embodiments of the present invention, but not all embodiments. All other embodiments, which can be made by a person skilled in the art based on embodiments of the invention without any inventive effort, fall within the scope of protection of the invention.
The account verification device provided by the embodiment of the invention has two working modes, one is a financial key mode, and the account verification device provides information required by account verification for external equipment; the other mode is a card swiping mode, the account verification device reads the account card, obtains account information and authentication information of the account card, and provides the account information and the authentication information to external equipment.
Fig. 1 is a schematic structural diagram of an account verification device according to an embodiment of the present invention, as shown in fig. 1, the device includes: a storage module 101, a card reading module 102, a communication module 103 and a main control module 104; wherein,
a storage module 101 for storing account verification related information;
the card reading module 102 is used for reading the account related information of the account card;
a communication module 103, configured to perform information transmission with an external device;
the main control module 104 is configured to read the account verification related information from the storage module when the account card account related information is not read, and transmit the account verification related information to the external device through the communication module; when the account related information of the account card is read, verifying the account related information, and then transmitting the account related information to external equipment through the communication module;
the storage module 101, the card reading module 102 and the communication module 103 are all connected with the main control module 104.
Here, the account card may be a bank card such as a credit card or a deposit card, or may be an electronic card such as an access card, an attendance card, or a membership card, which stores account information.
In addition, the main control module is also used for information processing, data encryption and decryption, task processing, communication control and the like; the data encryption and decryption of the main control module mainly refers to encrypting personal identity authentication information such as a private key and the like, and encrypting the information after recording the personal identity authentication information; and decrypting the encrypted data such as the identity authentication data transmitted by the background.
Specifically, the account verification related information stored in the storage module 101 includes: bank account information, personal signature certificates, security keys, etc. When the account verification device is in the financial key mode, the main control module 104 reads the account verification related information from the storage module 101 and transmits the account verification related information to the external device through the communication module 103. The storage module 101 may be an independent storage unit, or may be a storage unit in a chip for implementing a master control module in an account verification device, and may be implemented by various memories or storage media.
Further, in the account verification apparatus, the card reading module 102 may include: and the contact card reading unit is used for reading the account related information in the account card in a contact manner.
In particular, the contact card reading unit may be a standard ISO7810 card reading unit, which may include standard ISO7816 card slots, and/or a clasp for clasping a standard ISO7810 card. Here, ISO7810 is a standard for specification of a card, and ISO7816 is a standard for an interface.
Further, in the account verification apparatus, the card reading module 102 may further include: and the non-contact card reading unit is used for reading the account related information in the account card in a non-contact mode.
Specifically, the contactless card reading unit may be a contactless 13.56M card reading unit.
In one embodiment, the contact card reading unit and the contactless card reading unit may be present in the card reading module 102 of one account verification device at the same time.
When the account verification device is in the card swiping mode, the card reading module 102 reads the account related information of the account card and sends the account related information to the main control module 104, and the main control module 104 verifies the account related information and then transmits the account related information to the external device through the communication module 103. Here, the account related information includes: account information and authentication information of the account card, wherein the account confidence comprises: account number, account name, account amount, etc.
Further, in the account verification device, the communication module 103 includes: and the wireless communication unit is used for carrying out information transmission with the external equipment through a wireless communication link.
Specifically, the wireless communication unit may be a bluetooth communication unit, including: the system comprises a radio frequency antenna, a matching network subunit and a Bluetooth modulation and demodulation subunit.
The wireless communication unit may also include other wireless communication protocol implementation units such as WIFI, zigbee, etc.
Further, in the account verification device, the communication module 103 includes: and the wired communication unit is used for carrying out information transmission with external equipment through a wired communication link.
Specifically, the wired communication unit may be a USB communication unit, including: a USB interface and a USB protocol controller.
The wired communication unit may also include other wired communication interface implementation units such as PS/2, 1394, etc.
In one embodiment, the wireless communication unit and the wired communication unit may exist in the communication module 103 of one account verification device at the same time, the wireless communication unit is responsible for establishing a communication connection with a mobile terminal device such as a mobile phone, a tablet computer (Pad), etc., and the wired communication unit is responsible for establishing a communication connection with a connection line of a general Personal Computer (PC), etc.
Further, in the account verification device, the main control module 104 includes:
a financial key mode unit, configured to read the account verification related information from the storage module 101 and transmit the account verification related information to an external device through the communication module 103 when the card reading module 102 does not return the account related information;
and the card swiping mode unit is used for verifying (), when the card reading module 102 returns the account related information, the account related information is transmitted to the external device through the communication module 103.
Wherein, account related information contains account number/account name, signature information and the like, and the verification of the account related information comprises the following steps: decrypting the signature information in the card; the acquired account number/family name and other information; and comparing the account name acquired by decrypting the signature information with the acquired account name, thereby realizing verification.
In practical applications, the master control module 104 may be implemented by a Central Processing Unit (CPU), a Microprocessor (MPU), a Digital Signal Processor (DSP), or a Field Programmable Gate Array (FPGA) located in the account verification device.
Further, the account verification device may further include:
and the display module is used for displaying related information in the account verification process and is connected with the main control module.
Specifically, the display module may be implemented by an LCD, an OLED, an electronic paper, or the like.
Further, the account verification device may further include:
and the key module is used for receiving the input key operation of a user and is connected with the main control module.
Specifically, the key module may be implemented by a mechanical key or a touch virtual key.
In one embodiment, the account verification device simultaneously displays the module and the key module, so that man-machine interaction of the device is realized.
Further, the account verification device may further include:
and the power supply module is used for providing electric energy for other modules in the account verification device and carrying out power supply management.
In particular, the power module may include a battery, a power manager, a charging module, and the like.
The invention also provides an account verification method, when the external device sends out an account verification request, as shown in fig. 2, the method comprises the following steps:
step 201, detecting whether account related information of an account card is read;
step 202, when the account related information of the account card is not read, the account verification related information is read from a storage module of the account card and transmitted to external equipment;
and 203, when the account related information of the account card is read, verifying the account related information, and then transmitting the verification to the external equipment.
Fig. 3a and fig. 3b are schematic connection diagrams of an account verification device provided by the embodiment of the present invention in an application scenario, in which a user performs online shopping through a mobile phone to generate an online payment demand, and the mobile phone establishes connection with the account verification device through bluetooth connection to send out an account verification request.
At this time, the account verification device detects whether the account related information of the financial IC card is read;
specifically, the account verification device may detect whether the ISO7816 channel or the 13.56M channel is capable of reading the account related information of the financial IC card.
When the related information of the financial IC card account is not read, as shown in FIG. 3a, the account verification device reads the related information of the account verification from a storage module of the account verification device and transmits the related information to the mobile phone through Bluetooth connection;
when the account related information of the account card is read, as shown in fig. 3b, the account verification device verifies the read account related information, and then transmits the account related information to the mobile phone through the Bluetooth connection.
In this manner, the mobile phone may perform account verification based on information received from the account verification device.
It will be appreciated by those skilled in the art that embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of a hardware embodiment, a software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, magnetic disk storage, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The foregoing description is only of the preferred embodiments of the present invention, and is not intended to limit the scope of the present invention.
Claims (9)
1. An account verification apparatus, the apparatus comprising: the device comprises a storage module, a card reading module, a communication module and a main control module; wherein,
the storage module is used for storing account verification related information;
the card reading module is used for reading the account related information;
the communication module is used for carrying out information transmission with external equipment;
the main control module comprises a main control module body,
the financial key mode unit is used for reading the account verification related information from the storage module when the external equipment sends an account verification request and the card reading module does not return the account related information, and transmitting the account verification related information to the external equipment through the communication module;
the card swiping mode unit is used for verifying the account related information when the external equipment sends out an account verification request and the card reading module returns the account related information, and then transmitting the account related information to the external equipment through the communication module, wherein the account related information comprises account information and authentication information of an account card;
the storage module, the card reading module and the communication module are all connected with the main control module.
2. The account verification device of claim 1, wherein the card reading module comprises:
and the contact card reading unit is used for reading the account related information in the account card in a contact manner.
3. The account verification device of claim 1, wherein the card reading module comprises:
and the non-contact card reading unit is used for reading the account related information in the account card in a non-contact mode.
4. The account verification device of claim 1, wherein the communication module comprises:
and the wireless communication unit is used for carrying out information transmission with the external equipment through a wireless communication link.
5. The account verification device of claim 1, wherein the communication module comprises:
and the wired communication unit is used for carrying out information transmission with external equipment through a wired communication link.
6. The account verification device of claim 1, wherein the device further comprises:
and the display module is used for displaying related information in the account verification process and is connected with the main control module.
7. The account verification device of claim 1, wherein the device further comprises:
and the key module is used for receiving the input key operation of a user and is connected with the main control module.
8. The account verification device of claim 1, wherein the device further comprises:
and the power supply module is used for providing electric energy for other modules in the account verification device and carrying out power supply management.
9. An account verification method applied to the account verification device of claim 1, wherein when an external device issues an account verification request, the method comprises:
detecting whether account related information of an account card is read or not;
when the account card account related information is not read, the account verification related information is read from a storage module of the account card account related information and is transmitted to the external equipment;
when the account related information of the account card is read, the account related information is verified and then transmitted to the external equipment, wherein the account related information comprises account information and authentication information of the account card.
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| CN106326790B true CN106326790B (en) | 2024-03-01 |
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